Terms & Conditions

Last Updated: February 20, 2026

These Terms & Conditions ("Terms") govern your use of the website operated by OBSIDIAN EQUITIES LLC ("OBSIDIAN EQUITIES LLC," "we," "us," or "our"). By accessing or using this website, you agree to be bound by these Terms.

Use of this website

This website is provided for general informational purposes only. Nothing on this site should be interpreted as an offer to lend, a commitment to extend credit, or a recommendation regarding any transaction or strategy.

No professional advice

Information on this website is not intended to constitute legal, tax, financial, investment, or other professional advice. You should consult your own advisors before making decisions regarding financing or any other matter discussed on this site.

Intellectual property

This website and its contents are owned or licensed by OBSIDIAN EQUITIES LLC and are protected by applicable intellectual property laws. You may view and print content for your personal, non-commercial use. Any other use requires our prior written consent.

SMS Terms & Conditions

SMS Terms & Conditions By providing your mobile phone number and opting in, you agree to receive SMS text messages from OBSIDIAN EQUITIES LLC, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at jim@obsidianequities.com. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.

Use of automatic telephone dialing systems

If you opt in to receive SMS communications from OBSIDIAN EQUITIES LLC, you understand and agree that certain messages may be sent using an automatic telephone dialing system (sometimes referred to as an "ATDS") or other autodialer technology, consistent with applicable law and your consent.

Any use of an automatic telephone dialing system, ATDS, or autodialer technology is limited to sending the SMS or text messages that you have agreed to receive for customer care, informational, account-related, or promotional and marketing purposes. Your agreement to receive messages sent using an automatic telephone dialing system or other autodialer technology is not a condition of purchase or of obtaining services from OBSIDIAN EQUITIES LLC.

Third-party websites

This website may refer to or describe services provided by third parties. We do not control and are not responsible for the content or practices of any third-party websites or services.

Limitation of liability

To the fullest extent permitted by law, OBSIDIAN EQUITIES LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this website or any information contained on it.

Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of this website after any changes are posted will signify your acceptance of those changes.

Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles, and applicable federal law.

Contacting us

If you have questions about these Terms, you may contact OBSIDIAN EQUITIES LLC by email at jim@obsidianequities.com.